The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$99,914
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$103,022
−HK$3,157/mo
Today · 4.125%
HK$106,179
baseline
▲ 0.50% · 4.625%
HK$112,640
+HK$6,461/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$212,358/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,153
−HK$6,006/mo
▼ 0.25% · 3.875%
HK$114,134
−HK$3,025/mo
Today · 4.125%
HK$117,159
baseline
▲ 0.50% · 4.625%
HK$123,334
+HK$6,175/mo
Deposit HK$21.91M · loan HK$21.91M · min. income ≈ HK$234,318/mo (50% DSR)
Upfront cash ≈ HK$23.77M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,897
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,626
−HK$3,789/mo
Today · 4.125%
HK$127,415
baseline
▲ 0.50% · 4.625%
HK$135,168
+HK$7,753/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$254,830/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,384
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,961
−HK$3,629/mo
Today · 4.125%
HK$140,590
baseline
▲ 0.50% · 4.625%
HK$148,001
+HK$7,411/mo
Deposit HK$17.53M · loan HK$26.29M · min. income ≈ HK$281,180/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,880
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$144,231
−HK$4,420/mo
Today · 4.125%
HK$148,651
baseline
▲ 0.50% · 4.625%
HK$157,696
+HK$9,045/mo
Deposit HK$13.15M · loan HK$30.67M · min. income ≈ HK$297,302/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,615
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,788
−HK$4,234/mo
Today · 4.125%
HK$164,022
baseline
▲ 0.50% · 4.625%
HK$172,668
+HK$8,646/mo
Deposit HK$13.15M · loan HK$30.67M · min. income ≈ HK$328,044/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,845
−HK$11,278/mo
▼ 0.25% · 3.875%
HK$185,439
−HK$5,684/mo
Today · 4.125%
HK$191,123
baseline
▲ 0.50% · 4.625%
HK$202,752
+HK$11,629/mo
Deposit HK$4.38M · loan HK$39.44M · min. income ≈ HK$382,246/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,076
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$205,442
−HK$5,443/mo
Today · 4.125%
HK$210,885
baseline
▲ 0.50% · 4.625%
HK$222,001
+HK$11,116/mo
Deposit HK$4.38M · loan HK$39.44M · min. income ≈ HK$421,770/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,862,222 · Scale 2, in force from 26 Feb 2026)